Melola Discovery

← Melola Discovery

Journal

Determinants of Saving Behavior of Purworejo State High School Students Through Saving Intention

Journal of Economic Education · Vol. 15 No. 1 (2026)

DOI
10.15294/jeec.v15i1.14956
ISSN
2301-7341
Published
2026-07-09
Publisher
Universitas Negeri Semarang
Language
eng

Abstract

The purpose of this study was to analyze the effect of financial literacy, financial attitudes, socioeconomic parents on saving behavior through saving intentions. The population in this study were all grade XI high school students in Purworejo Regency as many as 2841 students. The number of samples used was 167 students calculated using the slovin formula. The sampling technique used was proportional random sampling. This study used a questionnaire method to collect data. The data analysis method used was descriptive statistical analysis and path analysis. The results of descriptive analysis show that saving behavior is in the very good category, financial literacy is in the high category, financial attitudes are in the good category, saving intentions are in the high category, the socio-economic parents are mostly in the low category. There is a positive influence of financial literacy, financial attitudes, parents' socioeconomics on saving intention. There is a positive influence of financial literacy, financial attitudes, parents' socioeconomics, on saving behavior through saving intentions. There is a positive influence of saving intention on saving behavior. Theoretically, this research enriches our understanding of the factors that influence financial behavior. Practically, these results highlight the importance of comprehensive financial education, which not only focuses on knowledge but also on forming positive attitudes and intentions towards saving. In addition, the role of the family, especially parents, in instilling saving habits from an early age cannot be ignored.

Keywords

Collaboration network of the authors

40 authors · 90 co-authorship links · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • State University of Semarang
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Nina OktarinaAffiliation unknown3
Amin PujiatiAffiliation unknown3
Widiyanto WidiyantoAffiliation unknown2
Nina FarlianaAffiliation unknown1
Afifah Nur AmaliahAffiliation unknown1
Kardoyo KardoyoAffiliation unknown1
Rizal Eko WibowoAffiliation unknown1
Neli Muna AmaliaAffiliation unknown1
Sucihatiningsih DWPAffiliation unknown1
Subowo SubowoAffiliation unknown1
Cyntia ArifahAffiliation unknown1
Lintang Suci AfiyatiAffiliation unknown1
Erna EmmawatiAffiliation unknown1
Margunani MargunaniAffiliation unknown1
Kurnia Sari Dwi PradaniAffiliation unknown1
Windi Puji AstutiAffiliation unknown1
Desy Ayu SafitriAffiliation unknown1
Saringatun MudrikahAffiliation unknown1
Sri RiwayatiAffiliation unknown1
Muhsin MuhsinAffiliation unknown1
Ahmad NurkhinAffiliation unknown1
Fachrurrozie FachrurrozieAffiliation unknown1
Harsono HarsonoAffiliation unknown1
MargunaniAffiliation unknown1
Moch Faizal RachmadiAffiliation unknown1
Muhammad Dwilian FathurrohmanAffiliation unknown1
Naim DevitrisiaAffiliation unknown1
Wijang SakitriAffiliation unknown1
WidiyantoAffiliation unknown1
Inaya Sari MelatiState University of Semarang1
Via AmaliaAffiliation unknown1
Sugiyo -Affiliation unknown1
Saleh RusmanAffiliation unknown1
KusmuriyantoAffiliation unknown1
Vinasya AdellaAffiliation unknown1
Sri LiawatiAffiliation unknown1
Arrum PrabawatiAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/journals/jeec/oai, first harvested 6 Nov 2026, last seen 6 Nov 2026.
Original metadata (oai_dc) 
<oai_dc:dc xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:oai_dc="http://www.openarchives.org/OAI/2.0/oai_dc/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/oai_dc/  http://www.openarchives.org/OAI/2.0/oai_dc.xsd">
	<dc:title xml:lang="en">Determinants of Saving Behavior of Purworejo State High School Students Through Saving Intention</dc:title>
	<dc:creator xml:lang="en">Ichtiar Adhi Fauzi</dc:creator>
	<dc:creator xml:lang="en">Rusdarti</dc:creator>
	<dc:creator xml:lang="en">Jarot Tri Bowo Santoso</dc:creator>
	<dc:subject xml:lang="en">Saving Behavior</dc:subject>
	<dc:subject xml:lang="en">Financial Literacy </dc:subject>
	<dc:subject xml:lang="en">Financial Attitude</dc:subject>
	<dc:subject xml:lang="en">Parents' Socioeconomics</dc:subject>
	<dc:subject xml:lang="en"> Saving Intention </dc:subject>
	<dc:description xml:lang="en">The purpose of this study was to analyze the effect of financial literacy, financial attitudes, socioeconomic parents on saving behavior through saving intentions. The population in this study were all grade XI high school students in Purworejo Regency as many as 2841 students. The number of samples used was 167 students calculated using the slovin formula. The sampling technique used was proportional random sampling. This study used a questionnaire method to collect data. The data analysis method used was descriptive statistical analysis and path analysis. The results of descriptive analysis show that saving behavior is in the very good category, financial literacy is in the high category, financial attitudes are in the good category, saving intentions are in the high category, the socio-economic parents are mostly in the low category. There is a positive influence of financial literacy, financial attitudes, parents' socioeconomics on saving intention. There is a positive influence of financial literacy, financial attitudes, parents' socioeconomics, on saving behavior through saving intentions. There is a positive influence of saving intention on saving behavior.  Theoretically, this research enriches our understanding of the factors that influence financial behavior. Practically, these results highlight the importance of comprehensive financial education, which not only focuses on knowledge but also on forming positive attitudes and intentions towards saving. In addition, the role of the family, especially parents, in instilling saving habits from an early age cannot be ignored.</dc:description>
	<dc:publisher xml:lang="en">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2026-07-09</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/journals/jeec/article/view/14956</dc:identifier>
	<dc:identifier>10.15294/jeec.v15i1.14956</dc:identifier>
	<dc:source xml:lang="en">Journal of Economic Education; Vol. 15 No. 1 (2026): June 2026</dc:source>
	<dc:source>2301-7341</dc:source>
	<dc:source>10.15294/jeec.v15i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/journals/jeec/article/view/14956/10657</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2026 Journal of Economic Education</dc:rights>
</oai_dc:dc>